At long last a mortgage agreement from NatWest for the refinancing of my single bedroom maisonette is expected any day now. Can you suggest a low cost conveyancing practitioner in Lampton?
You have come to the wrong place to search for a cheap conveyancing solicitors in Lampton. Our aim is to provide value for money conveyancing but our intention is not to work with the cheapest lawyers. Do not be swayed by companies offering the bait of low cost conveyancing in Lampton. At best, in choosing a lawyer for low cost conveyancing, you will get your money’s worth and at worst it will result in you with a hefty uplift in additional fees and still not end up with the service expected.
I am buying a new build flat in Lampton and my lawyer is informing me that she is duty bound to the lender to disclose incentives from the developer. The Estate Agents are hassling me to exchange and I would rather not delay deal. Is my lawyer right?
You should not exchange unless you have been advised to do so by your conveyancer. A precondition to being on a mortgage company panel is to comply with the UK Finance Lenders’ Handbook conditions. The CML Conveyancing Handbook requires that your lawyer have the appropriate Disclosure of Incentive form completed by the developer and accepted by your lender.
I am due to move home in June. Will my conveyancing solicitor call the removal company on the completion day. On a separate note, can you recommend a removal company in Lampton. Conveyancing firm was organised before I stumbled across your website.
On the afternoon of completion you will need to collect the house keys from the estate agent however this can only take place when the vendors solicitors inform the agent that they acknowledge receipt of the completion payment and the keys can be given over. After that you should tell the removal company that you are ready to move in. As a matter of policy we do not suggest a particular removal company but can help you locate a conveyancing in Lampton or a lawyer that specialises in conveyancing in Lampton.
We have agreed to purchase a house in Lampton. One unusual aspect is that the roof has a solar panel. Aldermore have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
Given that your lender is Aldermore your lawyer must follow the conveyancing instructions contained in Section 2 of UK Finance Lenders’ Handbook for Aldermore. The CML Handbook stipulates minimum provisions for solar panel roof-space leases, and conveyancing practitioners are required to report to Aldermore where a lease fails to comply with these requirements. The provisions relate to the installation of panels on properties in England and Wales and is not isolated to Lampton.
Our sealed bid on a property in Lampton has been accepted, but there is a chain. The vendors have placed an offer on on an apartment, but it’s not yet agreed to, and are looking at other flats in the pipeline. I have selected a high street conveyancing solicitor in Lampton. What do I do now? When should I get the mortgage application with TSB going?
It is normal to have anxieties where there is a chain as you are unlikely to want to incur costs too early (mortgage application is approx £1k, then survey, Lampton conveyancing search costs, etc). The first thing to do is ensure that your lawyer is on the TSB conveyancing panel. As to the next steps this very much dictated by the specifics of your transaction, motivation for the property and on the state of the market. In a hot market the majority of purchasers will apply for a home loan with TSB and arrange for the valuation and only if it was satisfactory would they request their solicitor to press on with the conveyancing in Lampton.
I have a semi-detached Georgian property in Lampton. Conveyancing lawyer acted for me and Godiva Mortgages Ltd. I happened to do a free search for it on the Land Registry database and there are a couple of entries: one for freehold, another for leasehold under the exact same property. Is it worth asking Godiva Mortgages Ltd to clarify?
You need to read the Freehold register you have again and check the Charges Register as there may be mention of a lease. The best way to be sure that you are also the registered proprietor of the leasehold and freehold title as well is to check (£3). It is not completely unheard of in Lampton and other areas of the country and poses no real issues for owners other than when they buy they have to account for both freehold and leasehold interests when dealing with purchasers. You can also check the situation with your conveyancing solicitor who conducted the purchase.
I decided to have a survey completed on a property in Lampton ahead of appointing conveyancers. I have been advised that there is a flying freehold overhang to the property. My surveyor advised that some banks tend not issue a loan on such a property.
It varies from the lender to lender. Bank of Scotland has different requirements for example to Birmingham Midshires. Should you wish to telephone us we can look into this further with the appropriate lender. If you lender is happy to lend one our lawyers can help as they are accustomed to dealing with flying freeholds in Lampton. Conveyancing will be smoother if you use a solicitor in Lampton especially if they are accustomed to such properties in Lampton.
My fiance is buying a garden flat in Lampton. He has received a fee estimate by the lawyer connected to the selling agents and it came to £1385 . It was seven years ago since I sold and bought a house and the fee was £600. Have costs really escalated to that extent?
What does the conveyancing estimate include? Is it just for the legal fees, or what you will be paying in total (for instance Lampton searches, land registry fees, etc)